309 Dearborn Ave, Waterloo, IA 50703 Property Records

Black Hawk County property record for 309 Dearborn Ave, Waterloo, IA 50703

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 844 sqft · built 1931
Lot Size	0.11 acres (4,800 sqft)
Owner	Company Name on File
Last Sale	$46,750 (Dec 2024)
Tax Bill	$902 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8912-30-184-016`

Property Details

APN / Parcel Number

Primary APN	`8912-30-184-016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	844 sqft Living Area
1st Floor Area	844 sqft
Basement Area	844 sqft
Unfinished Basement	844 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	160 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	309 DEARBORN AVE
City	WATERLOO
State	IA
Zip	50703-5229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINDEN PLACE E 40 FT W 120 FT LOT 5 BLK 11
Legal Range	12W
Legal Township	89N
Legal Section	30
Legal Subdivision	LINDEN PLACE
Legal Block	11
Legal Lot Number	5
Jurisdiction	BLACK HAWK IA
Township / Civil Division	WATERLOO
Census Block Group	2
Census Block	2023
Census Tract	800

Owner

309 Dearborn Ave is owned by a company that bought it in December 2024.

Source: Black Hawk County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	1309 COFFEEN AVE, 1200, SHERIDAN, WY 82801-5777
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Dec 20, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST INTERSTATE BANK
Sep 3, 2020	Warranty Deed, Transfer · Line of Credit KERNDT BROTHERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2024 · Amount on File
Deed Sale	Dec 20, 2024 · Amount on File
Prior Sale	Dec 20, 2023 · Amount on File
Deed Document Number	20248011
Prior Transfer Date	Mar 10, 2009
Prior Transfer Doc	0000016794
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	309 DEARBORN AVE, WATERLOO, IA 50703-5229
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 COFFEEN AVE, SHERIDAN, WY 82801-5777

Mortgage

Document Number	202400008012
Date	Dec 20, 2023
Instrument	202400008012

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	205 W 2ND ST, CEDAR FALLS, IA 50613

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BLACK HAWK IA
Property Address	309 DEARBORN AVE, WATERLOO, IA 50703-5229
Transaction Type	Mortgage
Record Updated	Jan 8, 2024
Title Company	TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 COFFEEN AVE, SHERIDAN, WY 82801-5777

Mortgage

Document Number	202400008012
Date	Dec 20, 2023
Instrument	202400008012

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	205 W 2ND ST, CEDAR FALLS, IA 50613

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BLACK HAWK IA
Recording Date	Sep 3, 2020
Property Address	309 DEARBORN AVE, WATERLOO, IA 50703-5229
Document Number	202100004912
Instrument Date	Aug 28, 2020
Instrument	202100004912
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	TITLE SERVICES GROUP, TITLE SERVICES CORP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 DEARBORN AVE, WATERLOO, IA 50703-5229

Mortgage

Document Number	202100004913
Date	Sep 3, 2020
Instrument	202100004913

Lender

Name	KERNDT BROTHERS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 309 Dearborn Ave was $902, up 6.9% from the year before.

Source: Black Hawk County assessment roll, as of October 17, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Black Hawk County
Municipality	Waterloo City
Unified School District	Waterloo Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$902.00 (+6.87%)	$44,200 Land $6,080 Building $38,120	$44,200 Land $6,080 Building $38,120
2024	$844.00
2023		$39,690 (+16.29%) Land $6,080 Building $33,610	$39,690 Land $6,080 Building $33,610
2022	$750.00	$34,130 Land $6,080 Building $28,050
2021			$34,130 Land $6,080 Building $28,050

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 309 Dearborn Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (1978–2013)
Claims Outside the SFHA	3 of 5
Most Recent Claim	May 2013 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 309 Dearborn Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO WATER WORKS serves 69,504 people · EPA ID IA0790074
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 571 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Nextlink, Waterloo Fiber.

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